Search found 335 matches

by OnTrack
Mon Oct 15, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 39
Views: 2882

Re: Not convinced with insurance

car733 wrote:
Sat Oct 13, 2018 9:45 am
Total cost for the umbrella: 300usd for the non-owner + 200usd for the 1M umbrella.
At least part of the 300usd for non-owner would be offset by not having to buy rental car liability from the rental car company (probably ~$10/day).
by OnTrack
Sun Oct 14, 2018 1:13 am
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 38
Views: 4372

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

A couple of comments on cameras: - If you install cameras that take a power over Ethernet (PoE) connection, you won't have to worry about replacing batteries (but the installation will probably be more difficult/expensive). Some NVRs (network video recorders) can provide PoE to the cameras over cat ...
by OnTrack
Sat Oct 06, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take a pretty big pay cut to become a diplomat?
Replies: 32
Views: 3710

Re: Should I take a pretty big pay cut to become a diplomat?

Your kids would get primary and secondary school paid for at generally high quality international schools, though sounds like you're currently in good public schools, and the foreign service pension is better than FERS. You pay taxes as if living in the states. Your kids may have an option to atten...
by OnTrack
Thu Oct 04, 2018 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone have experience changing TD Ameritrade Brokerage Account Settlement Fund?
Replies: 10
Views: 641

Re: Anyone have experience changing TD Ameritrade Brokerage Account Settlement Fund?

This is what they offer, and they're not very good https://www.tdassetmanagementusa.com/tmi/content/US_ID_Overview?language=en_US I think you can ask them to switch to your pick using secure messaging. uhm, that's interesting. Decided to review the Fund Documents and it looks like they are closing ...
by OnTrack
Wed Sep 26, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: Is high inflation a good thing while working?
Replies: 40
Views: 2690

Re: Is high inflation a good thing while working?

Now if inflation were 10%, expenses would rise by $5,000. Pre-tax Income rises by 10% to 165k, resulting in $110k after taxes. This results in a $5,000 gain! In Scenario A you saved $50k. In scenario B you saved $55k but due to the 10% inflation, your $55k is worth the exact same as the $50k in Sce...
by OnTrack
Tue Sep 25, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: What is the sentence for laminating a Medicare Card?
Replies: 38
Views: 8349

Re: What is the sentence for laminating a Medicare Card?

Maybe Medicare card is ok to laminate(?). However, you should not laminate a social security card. I specifically know someone who had a laminated social security card and the DMV would not accept it when applying for a driver's license. Apparently, it has to do with being able to tell if the card i...
by OnTrack
Tue Sep 25, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Early mortgage payoff- a hoax?
Replies: 11
Views: 1547

Re: Early mortgage payoff- a hoax?

The interest applies to the outstanding balance. You pay more interest at the beginning because the balance is larger at the beginning. But the rate remains a constant 3%.
by OnTrack
Mon Sep 24, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6478

Re: My Very First Smartphone — Please Critique This Plan

Fi also works internationally in a seamless manner if that matters to you... Although not every country or territory is included in Project FI. Currently, there are 170 countries on the Project FI website and some of are not really independent countries such as Hong Kong. The UN has 193 member stat...
by OnTrack
Sun Sep 23, 2018 10:46 pm
Forum: Personal Consumer Issues
Topic: Dark stain wood floors
Replies: 27
Views: 2416

Re: Dark stain wood floors

Due to less reflectivity, a room with a dark floor may appear to be darker. Just something to consider.
by OnTrack
Sun Sep 23, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6478

Re: My Very First Smartphone — Please Critique This Plan

Yes. Bonaire is officially PART of the Netherlands, same as Hawaii is part of the US... The fact that Bonaire is part of the Netherlands does not necessarily imply coverage. Even parts of the contiguous 48 United States don't have coverage. Furthermore, as I said in my previous post, the Project Fi...
by OnTrack
Sun Sep 23, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8724

Re: Physical Banking - Any benefits anymore?

1. Free notary 2. Free medallion 3. Easy and quick to cash savings bonds I keep the bare minimum in a B&M bank for those three reasons. What's a medallion? "In the United States, a medallion signature guarantee is a special signature guarantee for the transfer of securities." https://en.m.wikipedia...
by OnTrack
Sun Sep 23, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6478

Re: My Very First Smartphone — Please Critique This Plan

Are you sure Bonaire is covered? Yes. Bonaire is officially PART of the Netherlands, same as Hawaii is part of the US... The fact that Bonaire is part of the Netherlands does not necessarily imply coverage. Even parts of the contiguous 48 United States don't have coverage. Furthermore, as I said in...
by OnTrack
Sun Sep 23, 2018 1:41 am
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8724

Re: Physical Banking - Any benefits anymore?

Lots of good reasons to have a bank account at a brick and mortar bank posted above. Particularly notary and medallion services. I'll add the following: I've had trouble getting online banks to wire money to third parties. Recently, when I needed to wire a very large amount on very short notice, a V...
by OnTrack
Sun Sep 23, 2018 1:12 am
Forum: Investing - Help with Personal Investments
Topic: Pay taxes on EE bonds now or later?
Replies: 11
Views: 1082

Re: Pay taxes on EE bonds now or later?

Hello sages, SIL recently discovered he has ~20k in EE bonds from the early 1990s that are currently paying 4% each year with final maturity in the early 2020s, wondering if he and DD should start paying taxes on the interest this year and every year going forward. The pro would be they are in a lo...
by OnTrack
Sat Sep 22, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6478

Re: My Very First Smartphone — Please Critique This Plan

Are you sure Bonaire is covered? Yes. Bonaire is officially PART of the Netherlands, same as Hawaii is part of the US... The fact that Bonaire is part of the Netherlands does not necessarily imply coverage. Even parts of the contiguous 48 United States don't have coverage. Furthermore, as I said in...
by OnTrack
Sat Sep 22, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6478

Re: My Very First Smartphone — Please Critique This Plan

Fi also works internationally in a seamless manner if that matters to you... Although not every country or territory is included in Project FI. Currently, there are 170 countries on the Project FI website and some of are not really independent countries such as Hong Kong. The UN has 193 member stat...
by OnTrack
Sat Sep 22, 2018 1:18 am
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6478

Re: My Very First Smartphone — Please Critique This Plan

Fi also works internationally in a seamless manner if that matters to you... Although not every country or territory is included in Project FI. Currently, there are 170 countries on the Project FI website and some of are not really independent countries such as Hong Kong. The UN has 193 member stat...
by OnTrack
Thu Sep 20, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: Traveling Outside of US and on Medicare
Replies: 5
Views: 773

Re: Traveling Outside of US and on Medicare

Some medigap policies have some international coverage.
https://www.medicare.gov/supplements-ot ... gap-travel
by OnTrack
Thu Sep 20, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 6953

Re: Don't trust Tripadvisor reviews

Maybe use ratings from travel guides such as AAA or Forbes which use profession inspectors. For example AAA says "In-person hotel evaluations are unscheduled to ensure the inspector has an experience similar to that of members. All hotels must meet the same basic requirements for cleanliness, comfor...
by OnTrack
Thu Sep 20, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: social security disability
Replies: 13
Views: 1218

Re: social security disability

Does he have a plan for continued medical insurance? If not he should definitely make plans for that: cobra, ACA, Medicaid?
by OnTrack
Thu Sep 20, 2018 12:26 am
Forum: Personal Finance (Not Investing)
Topic: social security disability
Replies: 13
Views: 1218

Re: social security disability

Question I have is if he would get more or less than his regular SS benefit ... He may just be get paid for one year before filing at 62 but it should help. Not sure he would qualify for unemployment if he doesn't actively seek another job. "The SSA will simply change your disability benefit to a r...
by OnTrack
Sun Sep 16, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: (No Savings) *Everything* in S&P 500?
Replies: 33
Views: 3887

Re: What if: *Everything* in S&P?

OP, If your friend is receiving a regular paycheck, ask how he keeps zero cash balance while not violating wash-sale rules if he sells and buys within a 30 day period ... ? Maybe he is. Is that a concern other than the fact that he would need to defer taking capital losses (the loss would be added ...
by OnTrack
Sat Sep 15, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: ACA - Silver plan cost sharing worth it?
Replies: 29
Views: 2304

Re: ACA - Silver plan cost sharing worth it?

I'm not sure you can voluntarily give up cobra and receive ACA subsidies. --vtMaps Yes, you can voluntarily give up Cobra and receive ACA subsidies. I should know - I did it. When I retired last year, I declined Cobra and we (Dw and I) received large ACA subsidies including CSR. However, if you sta...
by OnTrack
Thu Sep 13, 2018 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 76
Views: 11095

Re: Umbrella Policy: Right amount for $7 mil net worth?

Since tax paid accts would be unprotected, seems like this could be another item to consider when doing Roth conversions. Conventional wisdom would have you paying the taxes with your tax paid acct., thus reducing overall exposure to liability claims. Assuming of course, your state offers protectio...
by OnTrack
Wed Sep 12, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner insurance coverage
Replies: 21
Views: 1228

Re: Homeowner insurance coverage

Good moves. Before we leave this thread, however, I should caution you about SnakeFarm and their practices. Since you wrote you have been with them for 5 years now you are getting dangerously close to that 6-9 year level where they will pull "price optimization " on you. (Unless your Calif Attorney...
by OnTrack
Mon Sep 10, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: Medallion Signature guarantee?
Replies: 28
Views: 2352

Re: Medallion Signature guarantee?

I recommend that everyone have an account at a brick and mortar bank and as a condition for opening the account, verify that they can issue medallion signature guarantees to their customers. Chances are you will need that service sooner or later.
by OnTrack
Mon Sep 03, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Neighbor Fencing question
Replies: 50
Views: 4010

Re: Neighbor Fencing question

My house was the first in the neighborhood to have a fence, so I have the "pretty" (front) side of the fence, and around here that makes me 100% responsible for fencing on every side of my house. Everybody else gets the less pretty side of the fence for free. I would guess the fence is on my proper...
by OnTrack
Sun Sep 02, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm - Homeowners discount :)
Replies: 35
Views: 2696

Re: State Farm - Homeowners discount :)

Absolutely. It's nonsense that a house insured for replacement value is going to be depreciated. The insurer is obligated to rebuild the structure to its original condition (approximately). Nobody said it wasn't. We were talking about what you get if you walk away from the house. The insurer will w...
by OnTrack
Sun Sep 02, 2018 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Calculated I-bond Values
Replies: 18
Views: 1561

Re: Calculated I-bond Values

I tried exporting from Savings Bond Wizard in HTML and then importing to Savings Bond Calculator. It didn't work for me in either Internet Explorer or Microsoft Edge. Then I tried Firefox and it worked fine.
by OnTrack
Thu Aug 30, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Prepaid cell phone plan vs Regular Contract Plan
Replies: 29
Views: 2726

Re: Prepaid cell phone plan vs Regular Contract Plan

I'm going to give Project Fi (Google) a shot since I'll be spending some time in Europe. Not quite as cheap as some others depending on data usage but the bill is capped and it can use multiple networks. That only works with a handful of phones. It also gets pricey if you use a lot of data. Interna...
by OnTrack
Sat Aug 25, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Short Term Health Insurance regulation changes - good for age 62 retirement?
Replies: 82
Views: 4469

Re: Short Term Health Insurance regulation changes - good for age 62 retirement?

For those interested in the actual updates to the Federal Register, here is the link: https://www.gpo.gov/fdsys/pkg/FR-2018-08-03/pdf/2018-16568.pdf It includes detailed discussion of benefits and costs of the regulation changes and justification for the changes and responses to public comments. I n...
by OnTrack
Sat Aug 25, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Short Term Health Insurance regulation changes - good for age 62 retirement?
Replies: 82
Views: 4469

Re: Short Term Health Insurance regulation changes - good for age 62 retirement?

Good luck if you go that route. I’d be afraid that my policy would not be renewed if I got sick. If you feel that you can’t afford the ACA premiums, maybe take another look at whether you are ready to retire. Might be better to stick with your company policy. If it is not renewed, couldn't he enrol...
by OnTrack
Sat Aug 25, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Short Term Health Insurance regulation changes - good for age 62 retirement?
Replies: 82
Views: 4469

Re: Short Term Health Insurance regulation changes - good for age 62 retirement?

Interesting, I thought Trump had changed the regulation to allow it, but I don't find anything on a quick search indicating that it has proceeded. Apparently this article knows that you can't: "There are no changes to this law for 2018. The current administration has said that they may want to chan...
by OnTrack
Wed Aug 22, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: Short Term Health Insurance regulation changes - good for age 62 retirement?
Replies: 82
Views: 4469

Re: Short Term Health Insurance regulation changes - good for age 62 retirement?

Good luck if you go that route. I’d be afraid that my policy would not be renewed if I got sick. If you feel that you can’t afford the ACA premiums, maybe take another look at whether you are ready to retire. Might be better to stick with your company policy. If it is not renewed, couldn't he enrol...
by OnTrack
Tue Aug 21, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12374

Re: Excessive Emergency Room Charges - Options?

What kind of health insurance do you have? ER visits are usually expensive and In a true emergency, most insurers will cover both in-network and out-of-network facilities. Since the billing agrees with the EOBs from your insurance company and there are still sizable amounts due, it appears you have...
by OnTrack
Sun Aug 12, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 40
Views: 3586

Re: Cleaning gas grill

For the grates, I've found that Weber grill grate cleaner works well when used with a wire brush. I called Weber and they said it could be used on the stainless steel flavorizer bars. I use a plastic tub so that the grease and debris is confined to the tub.
by OnTrack
Thu Jul 26, 2018 12:41 am
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 9871

Re: Dealing with HOA Notice

Here is one approach: https://m.youtube.com/watch?v=WXx-5Urn4Ls In the video, a homeowner put up a large sign that says “If you are considering purchasing a home in Alford Meadows You may want to RECONSIDER . . . YOU could be the next target of the HOA!” It was eventually settled out of court: http:...
by OnTrack
Tue Jul 24, 2018 11:34 pm
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 96
Views: 49476

Re: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]

Circular one being all cut lines were in the same direction that were adjacent to one another, Start Westbound until the line is finished, turn 90 degrees Southbound until the line is finished, then 90 degrees Eastbound then Northbound then starts allover until I work my way to the center of the ya...
by OnTrack
Tue Jul 24, 2018 12:37 am
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 9871

Re: Dealing with HOA Notice

duplicate, deleted.
by OnTrack
Tue Jul 24, 2018 12:31 am
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 9871

Re: Dealing with HOA Notice

The Communications Act of 1996, rule (47 C.F.R. Section 1.4000) has been in effect since October 1996, and it prohibits restrictions that impair the installation, maintenance or use of antennas used to receive video programming. The rule applies to video antennas including direct-to-home satellite ...
by OnTrack
Fri Jul 20, 2018 10:02 pm
Forum: Investing - Theory, News & General
Topic: How does the Fed purchase bonds
Replies: 12
Views: 967

Re: How does the Fed purchase bonds

This write-up from the New York Fed is a little dated. But the mechanics of their bond trading haven't changed much. Open Market Operations Ron I like this write up better, see pages 6 - 8 for open market operations. https://ia800307.us.archive.org/10/items/gov.frb.ny.comic.federal/gov.frb.ny.comic...
by OnTrack
Fri Jul 20, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: CD's within Roth?
Replies: 5
Views: 479

Re: CD's within Roth?

If your Roth is in a brokerage account, you should be able to buy brokered CDs in your Roth, either secondary or new issue. I would not buy them unless I planned to hold them until maturity since you may not get a favorable price on the secondary market as a seller. You could also open a Roth at a b...
by OnTrack
Sun Jul 15, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance gap
Replies: 10
Views: 1077

Re: Health insurance gap

Prepare paperwork for Cobra but do not send in. Son has up to sixty days to apply for Cobra, so he can apply up to October 12, as October 14 is a Sunday. If after two weeks, if no medical care is needed son does not pay for Cobra or send in paperwork. If medical care is necessary (and costs more th...
by OnTrack
Sat Jun 30, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Yes, It’ll Happen - Jonathan Clements
Replies: 33
Views: 7328

Re: Yes, It’ll Happen - Jonathan Clements

It reemphasizes the value of a pension. For example if your pension is 40K a year it equivalent to withdrawing 4% on a 1 million dollar account. Agree. Some money managers suggest those with regular pension income calculate their total net worth this way, including any retiree benefits packages suc...
by OnTrack
Tue Jun 19, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: How to brokered CDs differ?
Replies: 9
Views: 980

Re: How to brokered CDs differ?

I see the main advantage of brokered CDs as convenience and the main disadvantage that withdrawing the money early to reinvest in another CD in the case that interest rates go up does not work with brokered CDs (since that price you can get on the secondary market goes down as interest rates go up)....
by OnTrack
Sun Jun 17, 2018 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Rule of 55 is it official?
Replies: 53
Views: 12324

Re: Rule of 55 is it official?

I assume also the distribution of the withdrawl is indicates somewhere (like from a bond or equity Core Fund). Haven't retired before -- is all this fairly automated through the web interfaces of the fund provider? Or is it more like a phone call, and say "hey don't forget that 2 in box 7" reminder...
by OnTrack
Fri May 04, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 568
Views: 83606

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I hope you are right, but here's a graphic that relates MM overfill to % dilution that was prepared by Honda for Chinese vehicles. ... The way I read this chart is that at the high line on the dipstick, there are 3.2 liters which is 3.38 quarts. In a previous post, you said the high line was 4.7 qu...
by OnTrack
Fri May 04, 2018 12:45 am
Forum: Personal Consumer Issues
Topic: Colorado Auto Insurance Rates 3rd Highest in Nation
Replies: 12
Views: 1192

Re: Colorado Auto Insurance Rates 3rd Highest in Nation

"Colorado is No. 3 in the country for rising car insurance premiums" https://www.denverpost.com/2018/02/27/colorado-car-insurance-premiums-rise/ From the article above: "Insurers sought and failed last year to change the ability of claimants to file against multiple uninsured motorist policies withi...